Over Credit Limit

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: I purchased $4,200 of appliances from Sears last May and I paid using Cash, Amex, my existing Sears account and a new Sears account opened that day. : The sales person told me I was approved so we completed the transaction. A few weeks ago I realized that the new account has been over the limit since day one and reported to the credit agencies. : The appliance I bought on the new account was in fact approved but the extended warranty was not...$219.99. : : They say the company policy is to allow over the limit spending for an extended warranty. : It is a 12 months 0% interest account and I really didn't look at the statement closely. Bal due 05/01. : I've spoken to several people at Sears and they all agree that my rep's arithmatic was bad but pass me on saying there's nothing they can do about it. : The sales rep (who admits to the mistake) could have charged my Amex asked for more cash or I could have declined purchase of the extended warranty entirely, certainly didn't need it in exchange for neg. credit reporting. : All Sears accounts are in good standing, never late but the rest of the world won't see it that way. : I'm already in dispute with Trans Union and Equifax is there anything else I can do? : Signed Duped Warranty Owner! : Please Help...My credit score is 635 and I want to refi in the spring. How much does this hurt?

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